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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $4,950 | $95,406-94.8% | $185,849-97.3% | $85,847-94.2% |
| Participation rate | 48.7% | 68.8%-20.0pp | 81.7%-33.0pp | 69.3%-20.6pp |
| Annual return | 13.80% | 23.59%-9.8pp | 122.10%-108.3pp | 318.61%-304.8pp |
| Employer contribution / active EE | $287 | $3,314-91.4% | $5,169-94.5% | $2,565-88.8% |
| Participant deferral / active EE | $1,308 | $3,424-61.8% | $5,569-76.5% | $3,952-66.9% |
| Admin fee / account holder | $511 | $7,214-92.9% | $16,244-96.9% | $6,261-91.8% |